but when you give that many, that much money and you bail them out with virtually no strings at all, you have rewarded egregiously bad behavior. and when you rerad really bad behavior you usually get more of it. so it's true, aig has now, depending on, if you don't quibble with the accounting, and some people do, but even if you accept the accounting, getting all the money back is goodment getting more money back than you put in is good. there are two key points. one is, that doesn't mean you made a profit. frankly the reality is it is on a risk adjusted basis and the american people were at grave risk but secondly you look aig is back in business. they are still not designated systemically significant. they are still engaging in a lot of the activities they used to, as are the rest of wall street. so the potential for the next crisis and the implications of that are still quite grave. >> suarez: how about that, professor barr, can they just get in the same kind of trouble and come back to the federal government, in other words, the taxpayer? >> no, they can't any more.